Automobile Liability and Physical Damage

State Automobile Liability Certificate of Insurance (COI)

Auto Liability COI 2022-23

Automobile Liability

NCGS § 58-31-50. Liability insurance required for state-owned vehicles. Every department, agency or institution of the State shall acquire motor vehicle liability insurance on all state-owned motor vehicles under its control. (1959, c. 1248; 1983, c. 717, s. 10.)

The State self-insures predictable losses and purchases insurance for catastrophic losses. Coverage is provided for property damage and bodily injury to others (non-State employees). The liability insurance program is administered by Travelers Insurance Company on any automobile licensed to or operated by the State or its employees. Such coverage is deemed adequate by the State and State agencies are not authorized to purchase higher limits for individual employees.

The automobile liability insurance coverage limit is $1,000,000 for bodily injury/property damage ($10,000,000 aggregate per accident). The coverage is automatic and state agencies complete a self audit at the beginning of the fiscal year using the NCAIA Auto Web.

Auto Physical Damage

Physical Damage insurance provides collision and comprehensive coverage for scheduled vehicles. State Agencies must individually schedule vehicles on the Auto Physical Damage policy for the desired coverage using the NCAIA Auto Web. 

The Department of Insurance, Risk Management Division should be contacted for additional information 919-647-0060 or 919-647-0000.